Welcome to Credit Counsellor 

Find a Solution
Become Debt Free

You don’t need debt stress, you need support

If you opt for IVA with our associates your IVA could end up failing if your creditors do not agree to your request and you struggle to repay. You might be able to reduce your payments if your financial situation worsens and your IVA was not made under the protocol. Visit Money Helper for free impartial advice.

IVA

Individual Voluntary Arrangements, or IVAs, were introduced by the Government to help people who can’t afford to repay debts above £6,000. Affordable payments over a fixed term of 60 months. An IVA could write off a portion of your debt if agreed by 75% of your creditors.

Debt Management

Debt Management involves negotiating agreements with your Creditors to make reduced payments to them each month, usually with the help of a Debt Management company.

Debt Consolidation

Debt Consolidation can make things much simpler for you. It allows you to put your debts in one place and deal with multiple creditors at once.

Excellent

Based on reviews

We're Committed To Helping You Get Debt-Free

Start with 3 easy steps

Complete our online form

Private & Confidential

The first step always feels like the hardest, but you’ve come to the right place

Talk to the Team

without any judgement

Tell us about your situation, Our associates will tell you exactly what help you may be entitled to 

Take action

No obligation service

We will support you & give you the option to refer you to one of our regulated partners for a free full advice call

We can Help

Credit Counsellor

We understand being in a situation is difficult to speak to an agent and to reach out, you have taken the right steps, It takes courage to fill out the form we understand, we are here to help you create your future and to take your worries and any burden off your shoulders.

May not be suitable in all circumstances.   We operate by amassing consumer data, which then offer authorised & regulated businesses seeking new leads for an advice call

Click “DEBT HELP” to start your journey, one of our friendly team will then be in touch to give you all the information you need to deal with your enquiry and refer you to one of our regulated associate experts.

Credit Counsellor Tips

To see what is available or read more about protentional debt solutions Credit Counsellor offer information.

It’s very important to get debt guidance as soon as you can if you’ve fallen behind on priority bills, or are facing any debt emergency, including:

  • court summons
  • having your utility bills cut off
  • having your home, car or goods repossessed
  • being contacted by bailiffs
    You can contact any of our advisors.

Budgeting is a great way to get in control and on top of your debts. By following our budgeting tips, you should be able to work out your total income and outgoings and clearly visualise what money you have left each month to pay to your creditors.

We suggest making a list of your creditors, along with money owed and due dates. Making note of this information is an invaluable way of relieving the likelihood of forgetting payment dates and helps you keep on top of things.

If you’re not sure what debts you have outstanding don’t worry, just give us a call and our associates can offer a free soft credit check facility. 

Cut back unnecessary spending by ending any subscriptions that you don’t need. Give your phone, water, electricity gas and internet providers a call to see if you are on the most cost-effective plan for you.

There are many free comparison websites online, which may be useful to find out the cheapest options for you, from car insurance to your weekly food shop.

There may be benefits that you unknowingly qualify for or similar help from the government or local council. Ensure that you’re receiving as much money as you’re entitled to. Consider whether you have any spare time to fit in some overtime or even a second job. 

Check out our debt solutions page. We show you the advantages/disadvantages of the individual solutions for you to be able to make an educated decision as to which route is best to take.

There are a number of unique options, make sure that you take the time to read about and understand what each one would mean for you. If necessary, discuss with family or your partner to see which is best for your situation.

Furthermore, you can contact or request a free call back from one of our team members who will help you.

Facing debt is the only way that they will go away. A simple ring to us can get the ball rolling with clearing your debts, as we can advise you on your individual circumstance and ultimately, get you on your way to being debt-free on a solution tailored to you.

Not only will being active about your debts help you clear them quicker, but also will relieve enormous stress from you and those around you who may be affected. 

All the guidance and support that we offer is completely free whilst we determine what possible solutions might be available to you – we do not charge any upfront fees.

If you opt for a debt solution such as an IVA or Debt Management Plans, there will be fees involved to cover the costs of running, but these will typically be included in any monthly payments that you make.

Other solutions such as Bankruptcy or Debt Relief Orders involve a set fee to get things set up. 

May not be suitable in all circumstances.   We operate by amassing consumer data, which then offer authorised & regulated businesses seeking new leads for an advice call.

To see what is available or read more about protentional debt solutions.

The easiest way to check and to speak to a team member is to complete our online form. Our aim is to alleviate the stress and financial worries caused by your debt.

Prefer to speak later?

We will offer guidance and support.

We can Help

Based on the information you give us Our partners/associates can help work out what debt solutions may be available for you. They will also make sure you’re aware of what information you need to move forward.

Click “LEARN MORE” to start your journey, one of our friendly team will then be in touch to give you all the information you need to deal with your enquiry and refer you to one of our regulated associate experts.

Types of Debts & Much More

Credit Cards

Loans

Overdrafts

Business Debt

Guarantor Loans

Council Tax

Bailiff Debt

Court Orders

Let's say you owe...

Banks Loan
Short Terms Loans
phone Bills
Credits Cards
Store Cards
Payday Loan
Overdraft

Let's say you owe...

                      Typical example of a customer situation in March 2023

Customer monthly Repayments Reduced.

Before a Solution

After a solution

Monthly payment are based on individual financial circumstances & eligibility

Click “GET IN TOUCH” to start your journey, one of our friendly team will then be in touch to give you all the information you need to deal with your enquiry and refer you to one of our regulated associate experts.
Our Associates are waiting to help With:

Potential Benefits of a Debt Solution

Life Benefits

Financial Benefits

Our Blog

Latest from the Blog

To see what is available or read more about potentional debt solutions Credit Counsellor offer free guidance.